O'Fallon, MO vs St. Charles, MO

St. Charles is moderately more affordable than O'Fallon, with a 9.2% lower cost of living index. O'Fallon scores 101 compared to 92 for St. Charles, where the US average is 100. This difference means residents of O'Fallon can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in O'Fallon is $1,400/month compared to $1,186/month in St. Charles — a 18% difference. Home values follow the same pattern: St. Charles is more affordable at $280,800 median vs $305,100.

Median household income in O'Fallon is $107,203 compared to $85,522 in St. Charles (+25.4%). While O'Fallon is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of O'Fallon spend roughly 15.7% of their income on rent, less than the 16.6% in St. Charles.